Trusted Gold Loan Provider Regulated NBFC Since 1995

Get Funds Against
Your Gold

A regulated NBFC with insured and safety of your pledged gold, serving 1 Cr.+ customers at 3,000+ branches across India.

9.72% - 27% p.a. onwards (0.81% per month onwards)

Gold Loan starting from ₹3,000 — quick cash at your nearest branch
Your pledged gold is stored in insured vaults until full repayment

Choose the type of loan you are looking for?

Gold Loans

Secured Business Loans

By clicking on Apply Now button on the page, you authorize IIFL & its representatives to inform you about various products, offers and services provided by IIFL through any mode including telephone calls, SMS, letters, whatsapp etc.You confirm that laws in relation to unsolicited communication referred in 'National Do Not Call Registry' as laid down by 'Telecom Regulatory Authority of India' will not be applicable for such information/communication.I understand that IIFL Finance shall process, use, store and handle the your information including your personal information as per IIFL's Privacy Policy and the Digital Personal Data Protection Act.

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9.72% p.a. onwards (0.99% per month onwards)

Gold Loan starting from ₹3,000 — quick cash at your nearest branch
Your gold is fully insured & RBI regulated — always safe with us

Customers trust IIFL

Regulated

NBFC

4.6 from

1Lac+ Reviews

Pledged Gold

Secured & Insured

Zero

Hidden Charges

30+ Years

of Trust

1 Cr+

Happy Customers.

What We Offer

Explore Our Financial Products

A range of loan products for individuals and businesses across India.

Gold Loan

Home Loan

Home Finance

RateCompetitive Rates
TenureUp to 25 Years
TypePurchase / Construction

Apply Now

Secured Business Loan

Property

RateFrom 9% p.a.
AgainstResidential / Commercial
TenureUp to 15 Years

Apply Now

Transfer Gold Loan to IIFL

Balance Transfer

BenefitCompetitive Interest Rate
ProcessSimple Balance Transfer
ChargesFlexible

Apply Now

Estimate instantly

Easily figure out your loan payments

Use IIFL's simple EMI calculator to check different loan amounts, time periods and interest rates

Gold Loan Calculator

Estimate how much you can borrow against your gold.

Loading gold rate…

Calculating…

Number of Jewellery

ESTIMATED GOLD VALUE

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Weight (g)

Gold Carat

Loan Amount

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Rate of Interest

ROI 9.72%

10%27%

Interest Payment Frequency

1 Month 3 Months 6 Months 9 Months 12 Months 24 Months

*The market value is based on the 30-day average gold rate. You can avail a maximum loan of up to 75% of the market value, depending on gold quality.

*The displayed gold loan amount is an estimate. Actual eligibility and loan value may vary after valuation.

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Eligible Loan Amount

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Monthly Interest Payable

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Total Interest Payable (as per tenure)

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Total Payment (principal + interest)

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Seamless Service

Your Service Options, Simplified

Access, manage and pay with ease through these platforms

Mobile App Effortlessly Track and Manage Your Loans from Anywhere

WhatsApp Chatbot Manage your account and access all features conveniently

QuickPay Manage your account and access all features conveniently

Download IIFL Loans Mobile App

Access comprehensive information about your loans
Share the benefits of our loan app and earn rewards
Trusted by thousands of users

Our Promise to You

Why IIFL Finance?

Thirty years of trust, backed by numbers that speak for themselves.

30+ Years

Trusted Since 1995

Three decades of responsible lending with a perfect safety record for pledged gold.

RBI Regulated

Systemically Important NBFC

Fully compliant with RBI guidelines on gold loan LTV, custody, and customer protection.

Gold Loan

Quick Loan Disbursal

Visit any IIFL Finance branch with your gold and KYC documents. The amount is credited to your bank account.

100% Insured

Your Gold is Always Safe

Bank-grade vaults, full insurance, tamper-proof sealing. Zero gold-loss incidents in 30 years.

3,000+

Branches Nationwide

Present in 500+ cities across India — urban and rural — always close to where you are.

₹0

Zero Hidden Charges

Transparent pricing — the rate we quote is the rate you pay. No surprises, ever.

10M+

Happy Customers

1 Lac+ families across India trust IIFL Finance for their most important financial needs.

Our Customers

Success Stories

Have Questions About Your
Gold Loan?

Our gold loan specialists are available to help and choose how you'd like to connect.

Call Chat Locate

KNOWLEDGE CENTRE

News and Blogs

Gold Loan

Credit Checks Behind an ₹81,000 Gold Loan for Thin-File Borrowers

A young teacher with one small credit card, or a shopkeeper who has only ever borr...

14 Oct 2026, 01:01 pm

Gold Loan

Documents and PAN Rules Behind a ₹1,85,000 Gold Loan

A homemaker, a farm worker or a young person in a first job may have Aadhaar but n...

14 Oct 2026, 12:55 pm

Gold Loan

PAN Card Requirements for a ₹3,50,000 Gold Loan Explained

A salaried employee may plan to pledge family gold for ₹3,50,000, only to realise ...

14 Oct 2026, 12:50 pm

Gold Loan

PAN and KYC for a ₹2,60,000 Gold Loan Above the ₹2.5 Lakh Mark

There are applicants who possess an old PAN Card that is not yet associated with t...

14 Oct 2026, 12:45 pm

See All Insights

Awards & Recognition

Great Place to Work India

Ranked 55 among India’s Top 100 Best Workplaces 2026

Great Place to Work India

Top 25 India's Best Workplaces in BFSI 2026

Great Place to Work India

India's Best Workplaces in NBFCs 2026

Great Place To Work India®

Ranked 77 among India’s Top 100 Best Workplaces

IIFL Finance awarded Best Customer Centric NBFC at Bharat Fintech Summit '25

Bharat NBFC and Fintech Awards

Best Customer Centric NBFC Award - Bharat Fintech Summit '25

7th Edition of India DevOps Show 2025

Best DevOps Team in Automated Incident Response (Financial Services)

Audit and Risk Summit and Awards

Excellence in Corporate Governance - 7th Edition Audit & Risk Summit & Awards 2025

Audit and Risk Summit and Awards

Excellence in Cybersecurity - 7th Edition Audit & Risk Summit & Awards 2025

IIFL Finance awarded Best Co-lending Partnership at Bharat Fintech Summit '25

Bharat NBFC and Fintech Awards

Best Co-lending Partnership Award - Bharat Fintech Summit '25

AmbitionBox Employee Choice Awards 2025

Top-rated Financial Services Company and Top-rated Large Company

IIFL Finance awarded Best Companies to Work For in the NBFC sector at Global HR Excellence Awards 2025 by GEEF

Global HR Excellence Awards 2025 (GEEF)

Best Companies to Work For 2025 in the NBFC sector

Get Funds Against
Your Gold

Choose the type of loan you are looking for?

Customers trust IIFL